Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$309,753Cash toward the purchase price.
Closing costs + prepaids$10,225Not just lender fees.
Before credits & paid funds$319,978The complete starting cash picture.
Estimated remaining funds due at closing
$319,978No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$309,753.17
Your down payment$309,753.17
Closing costs + prepaids$10,225.30
Total buyer cash needed$319,978.47
Remaining funds due$319,978.47
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$351.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$427.50
Initial HOA (3 months)$417.00
Prepaid interest, first (1 days)$11.57
Fees + prepaids$10,225.30
Your down payment is the seller’s equity. You take over the $70,247 balance, so the rest of the $380,000 price is paid at closing. A second mortgage can cover part of it. $319,978.47 is due at closing. Uses and sources reconcile at $390,225.30 each. Not a Closing Disclosure.